Peter Drucker once commented that the purpose of business is to create and keep a customer. Improving your mobile experience, social media presence, or use of the Internet of Things is meaningless without a laser focus on this simple fact. So why do we "create" new customers so badly? To help enterprise architects at financial services firms tasked with improving on-boarding, we've highlighted significant problems/pitfalls with current processes as well as seven categories of providers that have evolved from different competencies. Client on-boarding is ripe for innovation, and these providers come with fresh ideas and approaches.